This model implements a combined Protective Action Decision Model (PADM) and Protection Motivation Theory (PAM) model for human decision making regarding hazard mitigations. The model is developed and integrated into the MASON modeling framework. The ABM implements a hind-cast of Hurricane Sandy’s damage to Sea Bright, NJ and homeowner post-flood reconstruction decisions. It was validated against FEMA damage assessments and post-storm surveys (O’Neil 2017).